Never talk to a CA over the phone....Why? There are several reasons.You may end up saying something you didn't mean to say that can now be used against you. You may also agree to something you didn't mean to agree to. CAs can have the tendency to ruffle feathers to get you to say what you don't mean. Also if you get a verbal agreement over the phone for something like a PFD, what is stopping them from breaking their commitment? Nothing. We always stress to get everything in writing.
Depending on the situation, they may be in violation of the FDCPA for contacting you for collections prior to their DV response. IMO, it would depend on whether or not you were notified about this debt prior to sending your DVs.
Message Edited by llecs on
02-15-2008 03:36 AM